A head-up for those wurnith FD in BR and the like. I don't quite understand the report and hope one with banking/financial knowledge can summarise the problem in 1 or 2 sentences for lay-person like me. Thanks. I now have 80% of my FD in BR. So, need to keep a close eye on this.

Read it twice and I still don't see the problem. Lending too much for personal finance and thus higher NPL (non performing loan) potential? The lenders are mainly govt servants and the NPL issue will only be a problem if the govt is in dire strait financially. So  ...?
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https://forum.lowyat.net/topic/2737232/+2420        see tikaram's posting

damn this mean reduced net dividend, damn gomen

RM 0.02, RM 0.20, RM 2 and RM 20.. what is the difference? All the same as everything is calculated in %..

u asking for dividend stock AND wants 50% capital profit  

Re-read what Unker gark said, u dun get the basics of stocks right

Lets give you example...

Company A, total shares 100 million

Total earnings 20 mil per year

So EPS = 20 mil/100 mil = 0.2/share. Assume constant PE 10x, share price now RM 2 share

Next year earnings grow to 30 mil (50% increase)

Now EPS = 30 mil/100 mil = 0.3/share. Assume constant PE 10x, share price now RM 3/share
Now company B, total shares 1000 million

Total earnings 20 mil per year

So EPS = 20 mil/1000 mil = 0.02/share. Assume constant PE 10x, share price now RM 0.2 share

Next year earnings grow to 30 mil (50% increase)

Now EPS = 30 mil/1000 mil = 0.03/share. Assume constant PE 10x, share price now RM 0.3/share
So now you tell me what is the difference? Company B share price is 0.20 vs company A share price of RM2, what is the difference in terms of growth?  Why must the one with lower price have better growth?  Does teh share price determine the growth or the EARNINGS determine the growth?

You still don't understand even given such a elaborate example.. ok lah good luck to you. 

I am talking about earning growth and you argue all the way to africa...

Remember to buy more penny shares yah..the lower the better... as your theory goes RM 0.02 sen companies has better growth than RM 20 companies because it is 'cheaper'.. 

You still don't understand even given such a elaborate example.. ok lah good luck to you. 

I am talking about earning growth and you argue all the way to africa...

Remember to buy more penny shares yah..the lower the better... as your theory goes RM 0.02 sen companies has better growth than RM 20 companies because it is 'cheaper'.. 

RM60 stock u buy 1 lot = RM6,000
RM6 stock u buy 10 lot = RM6,000

SAME amount of commission paid

And don't tell me u intend to buy RM600 i.e. 1 lot of RM6 stock...the charges as % of value purchased is...
e.g. with Jupiter Securities, u will pay RM10 min. brokerage + RM1 stamp...RM11/RM600=1.83% transaction cost

Price per share has got NO correlation to its capital appreciation potential

Capital appreciation is always based on profit growth.. hence the example is trying to say is A RM 0.2 and RM 2 stock does not have limitation in their price to give the same profit growth as in EPS.

If you hold the same amount of Comp A and Comp B (In terms of value, not number of stock) your capital appreciation is the same. And if they decide to pay the same value of dividend (again value) you will receive the same percentage of dividend.